Barclaycard eligibility check fail for consolidation card

Realising that i may in the future find it difficult to make all the monthly payments on my current credit cards, I followed MoneysavingsExpert's video advice to apply through Barclaycard for a special balance transfer card, to consolidate my payments to one more affordable amount. I am currently not owing anyone or overdrawn, but doing the eligibility pre-check they provide gave me the result that I would not be accepted. This was not the impression given in the video. Does anybody know of anyone who would be prepared to offer a card or loan to those who can foresee possible problems ahead, and wish to do something about a consolidation before it becomes a genuine problem? I and I'm sure, many others are trying to do something to help the situation, not burying our heads in the sand. Surely there is some help out there, of a practical nature for those looking for it, before it becomes necessary? I would have thought I was taking a welcome practical approach but noone seems willing to help.